ABOUT AXIS BANK

Axis Bank was the first of the new private banks to have begun operations in 1994, after
the Government of India allowed new private banks to be established. The Bank was
promoted jointly by the Administrator of the specified undertaking of the Unit Trust of
India (UTI - I), Life Insurance Corporation of India (LIC) and General Insurance
Corporation of India (GIC) and other four PSU insurance companies, i.e. National
Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental
Insurance Company Ltd. and United India Insurance Company Ltd.

The Bank today is capitalized to the extent of Rs. 358.97 crores with the public holding
(other than promoters) at 57.59%.

The Bank's Registered Office is at Ahmedabad and its Central Office is located at
Mumbai. Presently, the Bank has a very wide network of more than 729 branch offices
and Extension Counters. The Bank has a network of over 3171 ATMs providing 24 hrs a
day banking convenience to its customers. This is one of the largest ATM networks in the
country.

The Bank has strengths in both retail and corporate banking and is committed to adopting
the best industry practices internationally in order to achieve excellence.
PRIORITY BANKING

Priority Assist
Priority Assist from Axis Bank Priority Banking is committed to offering you the best
and taking the relationship beyond banking. With this in mind, we have associated with
International SOS, the world's leading assistance company, to offer you a wide range of
special assistance services.

Travel Assist

Inoculation and visa requirement information - Get information concerning visa and
inoculation requirements for foreign countries, as specified from time to time in the most
current edition of World Health Organization Publication "Vaccination Certificates
Requirements and Health Advice for International Travel" (for inoculations) and the
"ABC Guide to International Travel Information" (for visas).

Personal Assist

Courier service assistance - International SOS will assist in arranging for courier services
to send documents or parcels to your family or business associates in India.

Legal referral - International SOS will provide you with the contact details of lawyers and
legal practitioners in India. International SOS will however not give any legal advice.

Arrangement for appointment with lawyers - Arrange for appointments with lawyers in
India. All related expenses shall be borne by the User.

School or college related information assistance - Information related to schools and

colleges in India.

Hobby and leisure clubs assistance - Information regarding hobby and leisure clubs in
India.
Home Assist

Pest control assistance - Referral information on pest control service providers and their
charges and even arrange for a house call if requested.

Home cleaning assistance - Information on service providers for house keeping services
and their charges and even arrange for a house call if requested.

Home nursing care assistance - Information on registered nurses to provide nursing care
to you at your doorstep.

Electric gadget repair assistance - Contact details of technicians and repair shops for all
domestic appliances. International SOS will also assist you in arranging for a house call,
if requested.

Medical Assist

Telephone medical advice - Over the phone medical advice and assistance.

Medical service provider referral - Information on contact details and office hours of
physicians, hospitals, clinics, dentists and dental clinics.

Guarantee of medical expenses incurred on your behalf during hospitalisation -

International SOS will assist you by guaranteeing medical expenses incurred in the event
of hospitalization, on your behalf

Arrangement of emergency medical evacuation - International SOS will arrange for the
provision of air and/or surface transportation, medical care during transportation,
communications and all usual ancillary services required to move a patient to the nearest
hospital in India where appropriate medical care is available.
PRIORITY DEBIT CARD
The Priority Banking Debit Card is an International Visa Debit card meant exclusively
for Priority Banking customers. It comes with a host of enhanced benefits, which include:

Free usage Visa ATMs at all

The Priority Banking debit card gives you free usage at all Visa ATMs in India, even at
ATMs of other banks.

Zero Fuel surcharge

Your Priority Banking debit card allows you zero fuel surcharge (normally 2.5% of the
transaction amount) across petrol pumps in India

Instant Identification
The aesthetically designed photo-signature debit card with the Priority Banking logo
would identify you as our Priority Banking customer at any of our branches across India
where the service is being offered. It would also help you avail of the various lifestyle
privileges we offer from time to time.

Higher Transaction Limits

Especially for Priority Banking Debit cardholders, the daily ATM Cash Withdrawal
Limit has been enhanced to Rs 50,000 per day at all Axis Bank ATMs. The daily POS
limit is Rs 1,75,000 at Merchant Establishments, subject to the balances held in the
account.

No Issuance Charges
No issuance or annual charges for the primary holder of the Debit Card.
Free Add-on Card
The joint holder of the Priority Banking Debit Card also gets a free Priority Banking
Debit Card. For more than one card, there would be a nominal fee charged (as per tariff
rates).

Enhanced Insurance Coverage

The card comes with a free enhanced Personal Accident Insurance coverage of Rs 5 lacs,
and a combined Lost Card Liability and Purchase Protection coverage of upto Rs 2 lac.
(The insurance cover will come in force only after you make your first successful
payment transaction at any merchant establishment.)

Exclusive Offers
We regularly tie up with leading restaurants, shopping establishments, hotels, resorts etc,
to bring you exclusive discounts and offers from time to time. These offers would be
valid only when you utilize your Priority Banking Debit Card to make the payments.

Rewards Program
The Priority Banking Debit Card Rewards Program will allow you to earn reward points
on your total POS spend at merchant outlets. The accumulated reward points can be
redeemed for a selected gift like gift coupons from leading retailers, restaurants,
international brands, leather products, cosmetics etc. You will earn 1 reward point for
every Rs 100 of POS Usage on your Priority Banking Debit Card. You can start
redeeming after you have accumulated 200 reward points.

24-Hour Emergency Helpline

You can call our Emergency Helpline for Card Blocking 91-22- 67987700. Our
Customer Service Executives will assist you.
Mutual Funds

Invest smartly
A Mutual Fund is a trust that pools the savings of a number of investors who share a
common financial goal. The money thus collected is then invested in capital market
instruments such as shares, debentures and other securities. The income earned through
these investments and the capital appreciation realized are shared by its unit holders in
proportion to the number of units owned by them.

Thus a Mutual Fund is the most suitable investment for the common man as it offers an
opportunity to invest in a diversified, professionally managed basket of securities at a
relatively low cost.

Our offering
As Axis Bank Financial Advisory team, we adopt a strong research driven
recommendation model to help you choose the best funds based on qualitative and
quantitative parameters.
Apart from this, a dedicated Relationship Manager can also be assigned to you to ensure
that your investment requirements are taken care of, smoothly and efficiently. Our
advisors understand your profile and lead you through a structured financial planning
process to devise financial solutions best suited to you. The advisors will also help you
choose the right investment products in line with your investment goals.
We offer a unique 'One Page Portfolio Snapshot' report across investment products to our
customers investing in Mutual Funds. This report can be viewed through our Internet
Banking module.
Mutual Funds: Advantages
Advantages of investing in Mutual Funds

Professional Management:
Asset Management Companies (AMC) are managed by professionals and carry out the
specialized investment activity.

Diversification:
Diversification among a number of investments helps reduce the risk of any single
holding.

Convenient Administration:
The facility of making investments through service centers as well as through the Internet
ensures convenience.
Return Potential:
By allocating the right asset mix Mutual Funds offer a chance of higher potential returns.
The high concentration of risky assets would lead to a higher return and vice-versa.

Low Costs:
Given its size, an AMC would be in a position to negotiate better brokerage terms for the
sale and purchase of its investments.

Liquidity:
Open-ended schemes offer liquidity through on-going sale and repurchase facility. Thus
the investor does not have to worry about finding a buyer for their investments.

Transparency:
Information available through fact sheets, offer documents, annual reports and
promotional materials helps provide the investor with the knowledge about their
investments.
Flexibility:
Mutual Funds offer flexibility in terms choosing a scheme that matches the investment to
an investor's investment objective.

Choice of Schemes:
The investors can chose from various kinds of schemes available to them. The investors
with a higher appetite for risk can go for more aggressive schemes while those needing a
fixed sum every month can go for MIPs and so on.

Tax Benefits:
For equity funds, dividends received from equity schemes of Mutual Funds (i.e. schemes
with equity exposure of more than 65%) are completely tax-free. Neither does the Mutual
Fund have to pay dividend distribution fee nor does the investor have to pay income tax.

Well Regulated:
Mutual Funds in India are well regulated with SEBI monitoring the activities of the
mutual funds.

PAN ASSISTANCE

The Bank facilitates the application and collection of your PAN card so as to enable you
to be compliant with the tax laws in India.

As per the directive from the Central Board of Direct Taxes, any individual investing an
amount equal to and above Rs 50,000 in Bank deposits, Post Office deposits, Mutual
Funds or Stock Markets etc., must possess a Permanent Account Number (PAN), issued
by the Tax authorities. The Income Tax authorities have also made PAN compulsory for
Demat Account holders, including minors, trusts, foreign corporate bodies, banks,
corporate bodies, FIIs and NRIs.

Accordingly, w.e.f 1 April, 2006, PAN card proof is compulsory for the purpose of
opening a new Demat Account for existing Demat Account Holders.
Keeping in view these latest directives and to enhance customer satisfaction, we have
launched a special service for our NRI customers to facilitate them to obtain a PAN
issued by the Income Tax Authorities, through Axis Technology Services Ltd., who have
been entrusted by the Central Board of Direct Taxes to issue PAN cards.

Locker
Unmatched protection for your valuables
Looking for a safe storage place for your valuables?

A Safe Deposit Locker with Axis Bank is the solution to your concern. Located at select
branches in cities all over the country, our lockers ensure the safe keeping of your
valuables.

Advantages
 Wide Availability: As on March 31, 2008 lockers are available at 562 branches
and extension counters.
 Lockers available in various sizes.
 Direct debits for locker rentals from your account rid you of the hassles in writing
out cheques.
 Extended banking hours to operate lockers.
 Competitive rentals

24*7 BANKINNG

INTERNET BANKING
Want to reach your bank in a split-second? Use the mouse! Using the Internet, you can
look-up the status of your account, submit queries and undertake a wide range of
transactions.
Features of Internet Banking include:
Online Balance inquiry for Savings Bank Account, Current Account, Term Deposits,
Loan Account.
Online Transaction Query
Quick View: Synopsis of last 6 transactions in your account.
Query: To view transaction of accounts, based on customers chosen parameters
Details: To view personal account information
Request : To request cheque books.
Depository Account
Statement of Holding
Transactions Statement
Status of Instruction Display
For any queries that you may have, you could send a mail to the relationship manager

MOBILE BANKING
Mobile Banking (Savings Account)
Safeguard Your Account

Keep a watch on your account with our round the clock mobile banking service. Every
debit or credit in your account* is intimated to you by an SMS as soon as it happens. Be
in a smart position to detect any unauthorised access to your account.
Missing debit cards, unauthorised card usage or compromised passwords are no longer a
threat to you. Axis Bank's mobile banking service provides you with the ability to detect
and prevent misuse of your bank account.

Benefits

Safety:
Every debit and credit above a certain value is intimated to you. Stay updated on your
account transactions anywhere in the world.
Convenience:
No more queues at the ATM to check your accounts.
Time Saving:
No traveling to branches or ATMs to keep track of your account.
Updates:
Get automatic updates on bill payments and scheduled payments on your cell.
Accessibility:
Avail of this service from anywhere in the world, even on the move.

Charges for the Service

A flat fee of Rs. 150 (plus taxes) would be charged for the financial year. A free trial
period is offered to every first time registration. If you unsubscribe within 60 days, no
charge would be levied for the service.

INSURANCE

Met Smart Plus

A Unit-linked Insurance Plan (Non Par)
You want to protect your family from life's uncertainties; at the same time, you wish
insurance would yield higher returns on your investments. You want your insurance
policy to help realize all your dreams. Met Smart Plus is our answer for your quest. Met
Smart Plus is a transparent, Unit Linked whole life plan that mature at the age 100. The
premium you pay is used partly for insurance cover and the balance is invested in funds
to buy units.
In this policy, the investment risk in investment portfolio is borne by the policyholder.

Features & Benefits

Is a transparent regular premium unit linked life insurance policy that provides life cover
protection up to age 100
Offers further customization through riders - Accidental Death Benefit (ADBR), Critical
Illness (CIR)
Offers you a choice of six investment fund options to suit your risk/return profile
Gives you the freedom to switch between funds
Allows you the flexibility to pay more premiums by way of Top-ups
Gives access to cash anytime after three years to meet your financial requirements
Met Smart Plus offers you a Guaranteed Death Benefit option as below
If age at death less than 7 years
100% of the Fund Value in the Unit Account
If age at death equal to or more than 7 years
Higher of Sum Assured and 100% of the Fund Value in the Unit Account
The Maturity benefit is 100% of the Fund Value

Tax Savings
Ease the weight of your taxes!
How Life Insurance can help in reducing your tax burden

Insurance products are one of the best options available to individuals for their tax
planning. There are a variety of plans available with tax benefits for individuals but Life
Insurance plans clearly score over them because of the benefits being applicable not only
at the time of premium payment but during the term of the plan as well as maturity.

Met Smart Plus: Pay your insurance premium through ATMs

Now you can pay your insurance premium through Axis Bank's ATM.

Features

Convenience: No more writing cheques. Online payment.

Reach: You will be able to view your MetLife premium details & pay at any of our
ATMs, irrespective of the place where you hold your policy or location from where you
have registered with the Bank.
Instant Payments: When you pay your premium through Axis Bank ATM's your
account will be instantaneously debited.

Safety: All transactions through the ATM are completely secure.